Archive for the ‘ Micro-Loan Fund ’ Category

burundi christian man run store with micro-loan funds
Deoderat, his wife, and one of their four children making a food called "chackle" for their restaurant

In the Cibitoke Commune in Bujumbura, Burundi, a man by the name of Deodorat Minani lives with his wife and four children. Deodorat is a Christian and works as a teacher in the public school system, earning less than two dollars a day. He has been struggling to provide for his family.

With a $300 micro-loan from Heaven’s Family, however, Deodorat and his wife Francoise have been able to start a small business selling food at the local market. Francoise runs the business in the morning while Deodorat is teaching, then they work their business together in the afternoons. Some of their best customers are other vendors who also sell in the market but who do not have time to go home for meals.

Our micro-banker reported, “Now because of his business earnings, brother Deodorat is able to pay his rent, cover his family expenses, and invest some money in the Kingdom to the Glory of God!”

Because of obedient people like you who generously give to Heaven’s Family’s Micro-Loan Fund, Deodorat is able to support his family and give generously to God’s work in Africa. His offerings are, no doubt, a very pleasing aroma to the Lord.

David
Director, Micro-Loan Fund


This correspondence is not intended to be an appeal for funds, but as an informational update for those who have already contributed to the Micro-Loan Fund. Our goal is to serve you as you serve "the least of these" among Christ’s Family. If, however, you would like to contribute again to this fund, we want to make it easy for you, either through credit card or automatic bank withdrawal. Just click here.

Heaven’s Family is a 501C3 non-profit organization recognized by the I.R.S., and all contributions are fully tax-deductible. Contributions can be made by check to: Heaven’s Family, P.O. Box 12854, Pittsburgh, PA 15241. Please write the designated fund name in the memo of your check. Heaven’s Family is also a registered charity in the U.K., and most gifts qualify for Gift Aid, significantly increasing the size of your gift. Contributions can be made by cheque to: Heaven’s Family, P.O. Box 7402, Bournemouth, U.K. BH11 0EJ. Please write Micro-Loan Fund in the memo of your check. Thank you!

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Africa Day 12: A Dangerous Place to Live


Whenever we take photos of Heaven’s Family beneficiaries in public places, we instantly draw a crowd of curious people who want to see the "muzungus" up close. That happened this morning once again, so I decided to surprise the surrounding crowd by rapidly shooting many of them with my camera. I got this guy at point-blank range!

This morning we rose before dawn for a quick visit to another beneficiary of Heaven’s Family’s Micro-Loan Fund. Chantal Maluba is a widow whose extended family kicked her out of the family home because she refused to marry a non-Christian man. She trusted God. He has not failed her.

With a $300 loan, Chantal started two small businesses. In the mornings she cooks corn porridge which she sells as breakfast to workers, and the rest of the day she sells beans and flour. (She also leads a house church and is making disciples.) From her business, Chantal is able to support herself and send her only daughter to school.

I’m loving these micro-loans. They are a huge blessing to everyone who has received one. And once they are repaid, others are blessed. Thanks to all who have given to the Micro-Loan Fund.


Chantal Maluba

We landed in Kigali, Rwanda, mid-morning, to be met by two friends, Rwandan pastor Justin Nkundabagenzi, and Congolese church-planter Simeon Muhunga. I gave pastor Justin sixteen Sawyer water filters on behalf of Chuck King (Director of our Safe Water Fund), and Justin drove all of us to the bus station in Kigali.

I had heard that Kigali had experienced an amazing renewal since the end of Rwanda’s genocidal civil war, but I was amazed to see it for myself. It is, by far and away, the nicest African city I’ve ever visited. Most folks here attribute it to good governance, something which is unfortunately in short supply in Africa. I asked pastor Justin if he was Hutu or Tutsi (who were slaughtering each other a few years ago), and he laughed and replied, "I am a Rwandan." He went on to explain that it is now against the law in Rwanda to discuss the tribe from which you originate.

We said goodbye to Justin at the bus station, and Simeon paid our five-dollar tickets for the three-hour ride to the border of Rwanda and the Democratic Republic of Congo. Our journey took us up and over a beautiful mountain range where the famous gorillas live, and past some volcanos as well. I had a possibly providential conversation with a young pastor along the way.

When we crossed the border from Rwanda into the DR Congo, the contrast was stark. It was like crossing into a war zone. Most Westerners don’t realize that there have been two major wars here in recent years. The Rwandan Genocide of 1994 fueled the First and Second Congo Wars. The second war, which began in 1998, involved seven foreign armies, and it directly or indirectly resulted in the deaths of 5.4 million people. That makes it the world’s deadliest conflict since World War II. How many people outside of Africa know that? (Yet we know when Brad Pitt sneezes.)

Goma, the border town where we now are, has become the home to thousands of internally displaced people (IDPs), many of whom are traumatized widows and orphans. Beyond that, Goma, which sits on the shores of the beautiful lake Kivu, also sits near the base of the active Nyiragongo Volcano, which erupted in 2002. It sent streams of lava through Goma that flowed at 40 miles per hour, destroying 40% of the city, leaving 120,000 people homeless, and extending the Lake Kivu shoreline 500 feet into the lake, so that shorefront properties were no longer on the shorefront.

The evidence of the war and the 2002 eruption are very evident when you drive through Goma. We hope to bear some fruit here over the next couple of days on your behalf.

After a dinner gathering at Simeon’s house where we met a number of fine men and women of God, we checked into our hotel and rejoiced that it had hot water and a mosquito net over the bed. Becky and I are looking forward to a good night’s rest. — David

P.S.: Four other interesting facts about the Democratic Republic of Congo:

(1) There is another country adjacent to this one called the "Republic of Congo." (I suppose they didn’t want to call it the "Undemocratic Republic of Congo," or the "Other Congo!")

(2) More people speak French here than in France.

(3) A quote from Wikipedia: "Lake Kivu is one of three lakes in Africa identified as having huge quantities of dissolved gas held at pressure in its depths. One of the others, Lake Nyos, experienced a limnic eruption or ‘lake overturn,’ a catastrophic release of suffocating carbon dioxide probably triggered by landslides, which killed nearly two thousand people in the area around the lake. Kivu is 2,000 times bigger and also contains dissolved methane as an additional hazard. Nearly two million people including the population of Goma live in the vicinity of Lake Kivu and could be in danger from a limnic eruption triggered by one of the nearby volcanoes and the earthquakes associated with them."

So if we hear the sound of a huge gas bubble bursting on Lake Kivu (which we aren’t too far away from at our hotel), should we hold our breath and run up the slopes of the Nyiragongo Volcano?

(4) The largest concentration of professing Christians following William Branham—an interesting American prophet from the 1950’s who taught some very strange doctrines—is in the Democratic Republic of the Congo, where it is estimated that there are up to 2,000,000 followers. Following today in Branham’s footsteps are many American prosperity preachers who are pumping their spiritual sewage into the DRC via satellite television.

Africa Day 10: Home Improvements


Dieudonne Kayobera’s potato business, funded through a HF micro-loan, is booming. Although he is very poor by Western standards, he is using some of his profits to build God’s kingdom and help poor believers.

We started our day spending time with legless Kana Claver, whom I met five months ago when he was still a beggar on the streets of Bujumbura. Kana was tortured during Burundi’s tribal wars, and consequently had to have both his legs amputated. Kana came to know the Lord through Bienvenu’s ministry. (You can read Kana’s full story in our January magazine by clicking here.)

Through a $500 grant via our Handicapped Christians Fund, Kana opened a shop in a marketplace where he sells a variety of beans, rice, and a number of other items. He has gone from making about 50 cents a day begging to an average of five dollars a day from his shop profits. Those profits have enabled him to put his young children in school for the first time in their lives, rent another room in their rented house so that they now have two rooms of living space, provide better food for his family, own a cell phone, and take his children to the doctor when they’ve been ill. We’ve also provided Kana with a hand-propelled tricycle. He formerly got around by scooting on his hands, or by using crutches and crude prosthetic legs.

We’re making a short video about Kana in order to promote the Handicapped Christians Fund, and Kana agreed to re-enact his former begging strategies in downtown Bujumbura while I filmed him. During one sequence, I hid in our parked car while he begged along a busy sidewalk, holding out his hand. Hundreds of people with good legs walked right by him during the fifteen minutes that I filmed, and not one person gave legless Kana anything. Later, as Bienvenu and I replayed and watched that video, Bienv said, "This makes me think of what it will be like on the day of judgment, when the Lord will show us all our deeds."


Kana Claver with his wife and four children in their dirt-floor living room. The sheet covering the doorway at the right leads to a room that used to be rented by another person. Now it is rented by Kana for his family.

We spent much of the rest of the day visiting Christian women who were formerly destitute, but whose lives are improving through small-business and home-building grants, as well as some micro-entrepreneurs who have benefitted from our Micro-Loan Fund. A few of their photos are below. Thanks for helping Heaven’s Family make a difference in all of their lives. — David


Beatrice Ndikumana, age 23, inside her "house." The squatters’ community where she and her family currently live is indescribable by Western standards, unfit for any human habitation. However, because of a $550 HF grant, she and her husband have purchased land and are in the process of building a better house in a better community. We’ve also helped Beatrice to be cured of a severe skin infection through our Critical Medical Needs Fund (see photo below), and helped her start a charcoal and flour-selling business. As a result of these acts of kindness, her husband, who was formerly a drunkard and physically abusive, has repented and begun serving Jesus whole-heartedly.


Beatrice’s former skin infection (photo taken last November) is now completely healed.


Beatrice with her three children, in front of their house. Beatrice’s husband was out working when we visited.


(Above) Miriam Nduwimana, age 22, used to live in the same squatters’ community as Beatrice, but her "house" was completely destroyed in a flood. Bienvenu found her living under a tarp along a road. Miriam was at that time pregnant, having been raped by three men when she was working out in field. Bienvenu led her to Jesus. She later lost her baby and also discovered that she was HIV positive.

With a $600 HF grant, Miriam recently bought land and built a three-room mud-brick house. Through another $300 HF grant, she has started a small business that sustains her and her two sisters.


Miriam in the main room of her three-room, $600 house. She sells flour and small fish during the rainy season, and mud bricks in the dry season since they cannot be made when it is raining.